Worcester County and Spencer Town property record for 94 Chestnut St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,681 sqft · built 1887 |
| Lot Size | 0.539 acres (23,479 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,000 (Mar 2012) |
| Tax Bill | $3,701 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00044 L:00000 |
| Primary APN | SPEN M:00U08 B:00044 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,681 sqft Living Area |
| Gross Area | 2,539 sqft |
| Basement Area | 609 sqft |
| Unfinished Basement | 609 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,479 sqft (0.539 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 94 CHESTNUT ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 44 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 726200 |
Source: Worcester County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 9, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 1, 2017 | Quit Claim Deed, Transfer · FHA Mortgage HOME POINT FINL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2012 · Amount on Record |
| Deed Sale | Mar 2, 2012 · Amount on Record |
| Prior Sale | Dec 31, 1991 · Amount on Record |
| Deed Book / Page | 48618 / 123 |
| Transfer Doc | 57679-88 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065228-195 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 65228/195 |
| Instrument | 71391 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065576-206 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 65576/206 |
| Instrument | 95449 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0072230-66 |
|---|---|
| Date | Jul 9, 2025 |
| Book Page | 72230/66 |
| Instrument | 56004 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Sep 1, 2017 |
| Property Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Document Number | 57679-88 |
| Book / Page | 57679 / 88 |
| Instrument | 96714 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $18.36 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 94 CHESTNUT ST, SPENCER, MA 01562-2406 |
| Document Number | 57679-92 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 57679/92 |
| Instrument | 96715 |
| Name | HOME POINT FINL CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,701.00 (+16.02%) | $337,100 (+24.07%) Land $49,900 Building $287,200 | $343,464 (+18.5%) |
| 2025 | $3,190.00 (+7.19%) | $271,700 (+4.46%) Land $33,800 Building $237,900 | $289,845 |
| 2024 | $2,976.00 (+5.46%) | $260,100 (+11.15%) Land $33,800 Building $226,300 | |
| 2023 | $2,822.00 | $234,000 Land $33,800 Building $200,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER WATER DEPARTMENT serves 7,037 people · EPA ID MA2280000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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